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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $7,086 | $57,119-87.6% | $85,187-91.7% | $80,935-91.2% |
| Participation rate | 39.4% | 56.4%-17.0pp | 67.5%-28.1pp | 67.7%-28.3pp |
| Annual return | 14.26% | 21.70%-7.4pp | 66.67%-52.4pp | 35.66%-21.4pp |
| Employer contribution / active EE | $888 | $1,802-50.7% | $2,732-67.5% | $2,757-67.8% |
| Participant deferral / active EE | $1,390 | $3,115-55.4% | $4,525-69.3% | $4,299-67.7% |
| Admin fee / account holder | $2,092 | $4,990-58.1% | $6,162-66.1% | $6,924-69.8% |